Article

Read the Policy You’re Selling

This may be the most important coverage article you read this year. It may be the most important coverage article you’ve ever read. Please read it. And please have your…

Read the Policy You’re Selling

This may be the most important coverage article you read this year. It may be the most important coverage article you’ve ever read. Please read it. And please have your…

Shopping cart and house on a blue background. Buying and selling real estate. Copy space for text

Partnership Marketing

Partnership Marketing is the joining of two diverse organizations with a client base that can use the services and products of both. In its broadest terms the concept can apply…

Graph Growth Development Improvement Profit Success Concept

The Danger of Relying on Automatic Coverages

From “host liquor” in a CGL policy to “vacant land” in an HO policy, we often relying on automatic coverages for certain exposures to cover an insured who has an…

Agency Bank Accounts and Comingling of Funds

An agency has both a premium trust account and an operating account at a local bank. The agency owner has been told by some other agents that separate accounts are…

Rising arrow on staircase on yellow background. Growth, increasing business, success process concept. Copy space

Agency Valuation, Is It Based on the Past or the Future?

When buying or selling an agency, is the value based on what the agency made in the past or what it will earn in the future? A recent call illustrated…

Mortgage calculation, buy and sell house or real estate or cost and expense for house owner concept, small wooden house on white calculator on wooden table.

Temporary Substitute Autos Under PAPs and BAPs

The ISO PAP extends coverage to “temporary substitute” autos One question is what constitutes “temporary”? What if your car is in the shop for six weeks and you have a…

Gray modern car closeup on black background.

Filters

    1. Article (1843)
    2. Checklist (1)

    1. VU Resources (1808)
    2. Resources (35)

    1. Virtual University (1744)
    2. ACT (35)
    3. E&O Guardian (56)
    4. Best Practices (1)
    5. Big "I" Hires (1)
    6. E&O (1)
    7. Ask an Expert (5)

    1. Agency Management (1)
      1. Agency Operations (669)
      2. E&O Audit (1)
    2. Customer Service (528)
    3. Marketing (257)
    4. Technology (1)
      1. Artificial Intelligence (1)
    5. Sales (79)
    6. Procedures (1)
      1. Sample Customer Letters (1)
    7. Human Resources (38)
    8. Certificates of Insurance (68)
    9. EO Loss Control (5)
      1. Claims Prevention (15)
      2. Claims Happen (8)
      3. Common Errors Alleged (8)
      4. Claims Advisor (5)
    10. Professional Development (19)
    11. Risk Management (10)
    12. Perpetuation (19)
    13. Hiring and Recruiting (2)
    14. Regulation (1)
    15. Professional Liability (12)
    16. Diversity & Inclusion (1)
    17. Contracts (13)
    18. Disaster Preparedness (1)
    19. Hiring (2)
    20. Compensation (5)
    21. Recruiting (1)
    22. Agency Financing (1)
    23. Employee Benefits (1)
    24. Valuation (1)

    1. Commercial Lines (4)
      1. Commercial General Liability (CGL) (5)
        1. Exclusions (37)
        2. Other CGL (29)
        3. Coverages (19)
        4. Endorsements CGL (15)
        5. Additional Insureds (11)
        6. Contractual (8)
        7. Insureds (7)
        8. Crime (7)
        9. Liability CGL (6)
        10. Conditions CGL (5)
        11. Definitions (5)
      2. Property (2)
        1. Conditions Property (36)
        2. Other Property (31)
        3. Coverages Property (17)
        4. Property Exclusions (13)
        5. Endorsements Property (9)
        6. Perils (2)
      3. Commercial Lines Auto (3)
        1. Physical Damage (13)
        2. Other (10)
        3. Endorsements (3)
        4. Garage (3)
      4. Miscellaneous Commercial Lines (64)
      5. Business Income (49)
      6. Workers Compensation (47)
      7. Liability (20)
      8. Professional Liability (15)
      9. Flood (4)
    2. Personal Lines (28)
      1. Homeowners (1)
        1. Other Homeowners (24)
        2. Condo Issues (15)
        3. Property Coverages (14)
        4. Liability Coverages (11)
        5. Property Perils (11)
        6. Exclusions Property (9)
        7. Vehicles (7)
        8. Liability Exclusions (7)
        9. Insureds Homeowners (7)
        10. Definitions Homeowners (7)
        11. Conditions Homeowners (7)
        12. Endorsements Homeowners (1)
      2. Auto (1)
        1. Liability Auto (17)
        2. Insureds Auto (14)
        3. Other Auto (14)
        4. Physical Damage Auto (14)
        5. Rental Cars (6)
        6. Endorsements Auto (3)
        7. Conditions (1)
      3. Miscellaneous Personal Lines (29)
      4. Flood Personal Lines (28)
    3. Back to Basics (28)
    4. Life and Health (5)
      1. Life (13)
      2. Miscellaneous (12)
      3. Health (5)

    1. Commercial Lines (1)
      1. Workers Compensation (51)
      2. Commercial Auto (44)
      3. Professional Liability (15)
        1. E&O (15)
      4. Cyber Liability (1)
      5. BOP (1)
    2. Personal Lines (1)
      1. Homeowners (1)
        1. Jewelry (1)
      2. Life Insurance (27)
      3. Personal Umbrella (1)
    3. Auto (69)
    4. Flood (1)
      1. Personal Flood (1)
    5. Health Insurance (1)